The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Indemnity LTC Insurance Policy. In an Indemnity policy, you get back all of what your policy covers for. As an example, if you buy a $200 a day policy and your bill is $150 a day you still get $200 back. This is generally a more expensive type of policy than the Reimbursement model.